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Finvolution Group (FINV)
NYSE:FINV
US Market
FINV
FinVolution Group
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FinVolution Group (FINV) Ratios

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FinVolution Group Ratios

FINV's free cash flow for Q4 2025 was ¥0.72. For the 2025 fiscal year, FINV's free cash flow was decreased by ¥ and operating cash flow was ¥0.17. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 73.69 73.69 4.31 4.97 3.83
Quick Ratio
 73.69 73.69 4.31 4.92 3.83
Cash Ratio
 36.37 36.37 1.06 1.36 0.74
Solvency Ratio
 0.30 0.29 0.31 0.32 0.26
Operating Cash Flow Ratio
 10.78 10.95 0.65 0.39 0.05
Short-Term Operating Cash Flow Coverage
 10.78 10.95 517.19 245.56 0.00
Net Current Asset Value
¥ 3.99B¥ 3.99B¥ 11.02B¥ 10.78B¥ 9.96B
Leverage Ratios
Debt-to-Assets Ratio
 0.05 0.05 <0.01 <0.01 <0.01
Debt-to-Equity Ratio
 0.08 0.08 <0.01 <0.01 0.01
Debt-to-Capital Ratio
 0.07 0.07 <0.01 <0.01 0.01
Long-Term Debt-to-Capital Ratio
 0.06 0.06 0.00 0.00 0.00
Financial Leverage Ratio
 1.54 1.54 1.55 1.55 1.73
Debt Service Coverage Ratio
 14.34 14.52 386.84 357.52 0.00
Interest Coverage Ratio
 0.00 0.00 0.00 0.00 0.00
Debt to Market Cap
 0.17 0.14 <0.01 <0.01 0.00
Interest Debt Per Share
 5.34 5.26 0.13 0.15 0.63
Net Debt to EBITDA
 -1.63 -1.62 -1.77 -2.01 -1.34
Profitability Margins
Gross Profit Margin
78.65%78.63%79.32%82.82%80.63%
EBIT Margin
22.01%22.86%19.40%18.92%22.30%
EBITDA Margin
22.18%22.86%20.06%19.47%22.87%
Operating Profit Margin
21.49%21.84%19.40%18.92%22.30%
Pretax Profit Margin
22.88%22.86%21.78%22.05%24.25%
Net Profit Margin
18.75%18.74%18.24%18.58%20.09%
Continuous Operations Profit Margin
18.77%18.76%18.28%18.92%20.22%
Net Income Per EBT
81.97%81.97%83.76%84.25%82.83%
EBT Per EBIT
106.46%104.64%112.23%116.56%108.77%
Return on Assets (ROA)
9.97%9.73%10.10%10.99%10.60%
Return on Equity (ROE)
15.80%14.93%15.67%17.03%18.32%
Return on Capital Employed (ROCE)
11.51%11.41%13.22%13.52%15.29%
Return on Invested Capital (ROIC)
9.38%9.30%11.09%11.59%12.75%
Return on Tangible Assets
10.11%9.86%10.18%11.07%10.67%
Earnings Yield
33.52%26.84%18.26%24.01%23.45%
Efficiency Ratios
Receivables Turnover
 4.04 3.95 1.58 5.71 1.86
Payables Turnover
 0.00 0.00 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 10.53 0.00
Fixed Asset Turnover
 19.50 19.03 19.78 70.38 33.80
Asset Turnover
 0.53 0.52 0.55 0.59 0.53
Working Capital Turnover Ratio
 0.99 0.98 0.90 0.88 0.86
Cash Conversion Cycle
 90.28 92.52 231.34 98.63 196.56
Days of Sales Outstanding
 90.28 92.52 231.34 63.97 196.56
Days of Inventory Outstanding
 0.00 0.00 0.00 34.66 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 0.00
Operating Cycle
 90.28 92.52 231.34 98.63 196.56
Cash Flow Ratios
Operating Cash Flow Per Share
 7.41 7.41 10.99 5.04 0.95
Free Cash Flow Per Share
 5.61 7.04 10.88 3.12 0.76
CapEx Per Share
 1.79 0.37 0.11 1.92 0.19
Free Cash Flow to Operating Cash Flow
 0.76 0.95 0.99 0.62 0.80
Dividend Paid and CapEx Coverage Ratio
 4.13 3.09 6.17 1.46 0.63
Capital Expenditure Coverage Ratio
 4.13 20.01 104.23 2.63 5.09
Operating Cash Flow Coverage Ratio
 1.39 1.41 84.20 33.95 1.52
Operating Cash Flow to Sales Ratio
 0.14 0.14 0.22 0.11 0.02
Free Cash Flow Yield
18.12%19.25%21.96%8.98%2.24%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 2.98 3.73 5.48 4.16 4.26
Price-to-Sales (P/S) Ratio
 0.57 0.70 1.00 0.77 0.86
Price-to-Book (P/B) Ratio
 0.46 0.56 0.86 0.71 0.78
Price-to-Free Cash Flow (P/FCF) Ratio
 5.52 5.19 4.55 11.14 44.74
Price-to-Operating Cash Flow Ratio
 4.12 4.93 4.51 6.90 35.95
Price-to-Earnings Growth (PEG) Ratio
 0.26 0.63 0.62 0.67 -0.44
Price-to-Fair Value
 0.46 0.56 0.86 0.71 0.78
Enterprise Value Multiple
 0.94 1.44 3.21 1.97 2.41
Enterprise Value
 2.81B 4.34B 8.41B 4.82B 6.21B
EV to EBITDA
 0.94 1.44 3.21 1.97 2.41
EV to Sales
 0.21 0.33 0.64 0.38 0.55
EV to Free Cash Flow
 2.02 2.44 2.94 5.51 28.72
EV to Operating Cash Flow
 1.53 2.32 2.91 3.41 23.08
Tangible Book Value Per Share
 66.53 65.50 58.35 48.95 43.52
Shareholders’ Equity Per Share
 66.75 65.72 57.74 49.04 43.79
Tax and Other Ratios
Effective Tax Rate
 0.18 0.18 0.16 0.14 0.17
Revenue Per Share
 54.53 52.39 49.62 44.95 39.93
Net Income Per Share
 10.22 9.82 9.05 8.35 8.02
Tax Burden
 0.82 0.82 0.84 0.84 0.83
Interest Burden
 1.04 1.00 1.12 1.17 1.09
Research & Development to Revenue
 0.03 0.00 0.04 0.04 0.04
SG&A to Revenue
 0.15 0.00 0.19 0.03 0.04
Stock-Based Compensation to Revenue
 <0.01 0.01 0.01 <0.01 <0.01
Income Quality
 0.73 0.73 1.21 0.59 0.12
Currency in CNY